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Pam's Insurance Site

When I bought my first house, I was already going into a lot of debt. I didn't have the money to seriously insure it, so I bought only the bare minimum without consulting an insurance professional. That was a big mistake on my part. It could have turned out alright. That is, if my house hadn't been in the path of a huge storm. Huge gale winds knocked a tree down straight through my roof. My house was practically destroyed, and my minimal policy didn't cover nearly enough. I spent years and years trying to get myself out of that financial mess. Since then, I have always been very cautious in learning about insurance and talking to the real professionals.

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Limitations Of Specialty Insurance For Luxury Cars
16 August 2018

If you have a luxury or exotic car, you can either

Three Things You Should Know About Homeowners Insurance And Swimming Pools
20 June 2018

If you have never had a pool on your property befo

4 Benefits To Taking A Teen Driving Course Program
25 April 2018

If you have a young teen driver in your home, you

Suggestions For Commercial Insurance Coverage
16 March 2018

Did you open a store and hire a substantial amount

Two Times You Need To Reevaluate Your Homeowner's Insurance Coverage
10 February 2018

It's common for homeowners to purchase insurance f

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Limitations Of Specialty Insurance For Luxury Cars

If you have a luxury or exotic car, you can either buy its auto insurance from regular auto insurance companies or from auto insurers specialized in luxury car insurance coverage. Here are some of the drawbacks you may experience when you opt for the specialty coverage route: They Tend to Have Age Restrictions Most specialty insurance companies that handle luxury cars have strict or lower age restrictions for their policies. To understand why this is the case, you need to understand that even regular auto insurance companies use age as a factor in rate determination. Read More 

Three Things You Should Know About Homeowners Insurance And Swimming Pools

If you have never had a pool on your property before, you should understand how this will affect your insurance rates. Perhaps you are buying your first home or are looking to buy your first home with a pool. Or maybe you already have a home and are thinking about installing a pool. In any case, the cost of having a pool is not only maintenance and repairs. The cost of homeowners insurance can be significantly higher with a pool. Read More 

4 Benefits To Taking A Teen Driving Course Program

If you have a young teen driver in your home, you may have some fears about them being behind the wheel. The good news is that with proper training and practice, they will be well prepared for their own driving experience. If you want to help them learn even more driving skills, it can pay to invest in a teen driving course program. This can help you and your teen feel more safe and confident while on the road. Read More 

Suggestions For Commercial Insurance Coverage

Did you open a store and hire a substantial amount of employees to assist with running it? Being that you opened a brick and mortar business that deals with employing other people, it is wise to get commercial insurance coverage. You might also be required under the laws in your state to obtain certain types of coverage. Without the right kind of coverage, your business can fall into tough financial times if certain situations were to occur. Read More 

Two Times You Need To Reevaluate Your Homeowner’s Insurance Coverage

It's common for homeowners to purchase insurance for their houses and then never ever look at their policies again until they need to file claims. However, it's critical you review your policy on a regular basis to ensure it still fits your needs and preferences. In particular, you will want to go over your policy with a broker or insurance agent if one of these two things happen in your life. Read More